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Side-by-side financial comparison of KEMPER Corp (KMPR) and Snap-on (SNA). Click either name above to swap in a different company.
Snap-on is the larger business by last-quarter revenue ($1.2B vs $1.1B, roughly 1.1× KEMPER Corp). Snap-on runs the higher net margin — 21.3% vs -0.7%, a 22.0% gap on every dollar of revenue. On growth, Snap-on posted the faster year-over-year revenue change (2.7% vs -4.7%). Snap-on produced more free cash flow last quarter ($254.6M vs $166.2M). Over the past eight quarters, Snap-on's revenue compounded faster (2.0% CAGR vs -0.5%).
Kemper Corporation is an American insurance provider with corporate headquarters located in Chicago, Illinois. With nearly $13 billion in assets, the Kemper family of companies provides insurance to individuals, families, and businesses.
Snap-on Incorporated is an American designer, manufacturer, and marketer of high-end tools and equipment for professional use in the transportation industry, including the automotive, heavy duty, equipment, marine, aviation, and railroad industries. Headquartered in Kenosha, Wisconsin, since 1930, Snap-on also distributes lower-end tools under the brand name Blue-Point. Their primary competitors include Matco, Mac Tools, and Cornwell Tools.
KMPR vs SNA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.2B |
| Net Profit | $-8.0M | $260.7M |
| Gross Margin | — | — |
| Operating Margin | — | 27.8% |
| Net Margin | -0.7% | 21.3% |
| Revenue YoY | -4.7% | 2.7% |
| Net Profit YoY | -108.2% | 1.0% |
| EPS (diluted) | $-0.03 | $4.94 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $1.1B | $1.2B | ||
| Q3 25 | $1.2B | $1.2B | ||
| Q2 25 | $1.2B | $1.2B | ||
| Q1 25 | $1.2B | $1.1B | ||
| Q4 24 | $1.2B | $1.2B | ||
| Q3 24 | $1.2B | $1.1B | ||
| Q2 24 | $1.1B | $1.2B | ||
| Q1 24 | $1.1B | $1.2B |
| Q4 25 | $-8.0M | $260.7M | ||
| Q3 25 | $-21.0M | $265.4M | ||
| Q2 25 | $72.6M | $250.3M | ||
| Q1 25 | $99.7M | $240.5M | ||
| Q4 24 | $97.4M | $258.1M | ||
| Q3 24 | $73.7M | $251.1M | ||
| Q2 24 | $75.4M | $271.2M | ||
| Q1 24 | $71.3M | $263.5M |
| Q4 25 | — | 27.8% | ||
| Q3 25 | — | 29.4% | ||
| Q2 25 | — | 28.0% | ||
| Q1 25 | — | 27.7% | ||
| Q4 24 | — | 27.9% | ||
| Q3 24 | 11.2% | 28.4% | ||
| Q2 24 | 10.1% | 29.9% | ||
| Q1 24 | 7.6% | 28.9% |
| Q4 25 | -0.7% | 21.3% | ||
| Q3 25 | -1.7% | 22.5% | ||
| Q2 25 | 5.9% | 21.4% | ||
| Q1 25 | 8.4% | 21.2% | ||
| Q4 24 | 8.2% | 21.7% | ||
| Q3 24 | 6.3% | 22.0% | ||
| Q2 24 | 6.7% | 23.1% | ||
| Q1 24 | 6.2% | 22.4% |
| Q4 25 | $-0.03 | $4.94 | ||
| Q3 25 | $-0.34 | $5.02 | ||
| Q2 25 | $1.12 | $4.72 | ||
| Q1 25 | $1.54 | $4.51 | ||
| Q4 24 | $1.51 | $4.83 | ||
| Q3 24 | $1.14 | $4.70 | ||
| Q2 24 | $1.16 | $5.07 | ||
| Q1 24 | $1.10 | $4.91 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | $943.5M | — |
| Stockholders' EquityBook value | $2.7B | — |
| Total Assets | $12.5B | — |
| Debt / EquityLower = less leverage | 0.35× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | $371.2M | $1.5B | ||
| Q2 25 | $407.6M | $1.5B | ||
| Q1 25 | $545.3M | $1.4B | ||
| Q4 24 | $1.0B | $1.4B | ||
| Q3 24 | $696.9M | $1.3B | ||
| Q2 24 | $539.1M | $1.2B | ||
| Q1 24 | $520.7M | $1.1B |
| Q4 25 | $943.5M | — | ||
| Q3 25 | $943.1M | $1.2B | ||
| Q2 25 | $942.6M | $1.2B | ||
| Q1 25 | $942.1M | — | ||
| Q4 24 | $1.4B | $1.2B | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.4B | — | ||
| Q1 24 | $1.4B | — |
| Q4 25 | $2.7B | — | ||
| Q3 25 | $2.7B | $5.8B | ||
| Q2 25 | $370.0M | $5.7B | ||
| Q1 25 | $366.0M | $5.5B | ||
| Q4 24 | $2.8B | $5.4B | ||
| Q3 24 | $2.8B | $5.5B | ||
| Q2 24 | $358.0M | $5.3B | ||
| Q1 24 | $2.6B | $5.1B |
| Q4 25 | $12.5B | — | ||
| Q3 25 | $12.4B | $8.4B | ||
| Q2 25 | $12.6B | $8.2B | ||
| Q1 25 | $12.5B | $8.1B | ||
| Q4 24 | $12.6B | $7.9B | ||
| Q3 24 | $12.6B | $8.0B | ||
| Q2 24 | $12.6B | $7.8B | ||
| Q1 24 | $12.6B | $7.7B |
| Q4 25 | 0.35× | — | ||
| Q3 25 | 0.35× | 0.21× | ||
| Q2 25 | 2.55× | 0.21× | ||
| Q1 25 | 2.57× | — | ||
| Q4 24 | 0.50× | 0.22× | ||
| Q3 24 | 0.50× | — | ||
| Q2 24 | 3.88× | — | ||
| Q1 24 | 0.54× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $175.0M | $268.1M |
| Free Cash FlowOCF − Capex | $166.2M | $254.6M |
| FCF MarginFCF / Revenue | 14.7% | 20.8% |
| Capex IntensityCapex / Revenue | 0.8% | 1.1% |
| Cash ConversionOCF / Net Profit | — | 1.03× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $1.0B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $268.1M | ||
| Q3 25 | $139.9M | $277.9M | ||
| Q2 25 | $89.6M | $237.2M | ||
| Q1 25 | $180.0M | $298.5M | ||
| Q4 24 | $175.1M | $293.5M | ||
| Q3 24 | $141.9M | $274.2M | ||
| Q2 24 | $22.9M | $301.1M | ||
| Q1 24 | $43.0M | $348.7M |
| Q4 25 | $166.2M | $254.6M | ||
| Q3 25 | $133.4M | $258.0M | ||
| Q2 25 | $82.0M | $217.5M | ||
| Q1 25 | $172.3M | $275.6M | ||
| Q4 24 | $165.4M | $275.4M | ||
| Q3 24 | $131.4M | $253.8M | ||
| Q2 24 | $5.2M | $277.9M | ||
| Q1 24 | $27.7M | $326.9M |
| Q4 25 | 14.7% | 20.8% | ||
| Q3 25 | 10.8% | 21.8% | ||
| Q2 25 | 6.7% | 18.6% | ||
| Q1 25 | 14.4% | 24.3% | ||
| Q4 24 | 13.9% | 23.1% | ||
| Q3 24 | 11.1% | 22.3% | ||
| Q2 24 | 0.5% | 23.7% | ||
| Q1 24 | 2.4% | 27.8% |
| Q4 25 | 0.8% | 1.1% | ||
| Q3 25 | 0.5% | 1.7% | ||
| Q2 25 | 0.6% | 1.7% | ||
| Q1 25 | 0.6% | 2.0% | ||
| Q4 24 | 0.8% | 1.5% | ||
| Q3 24 | 0.9% | 1.8% | ||
| Q2 24 | 1.6% | 2.0% | ||
| Q1 24 | 1.3% | 1.9% |
| Q4 25 | — | 1.03× | ||
| Q3 25 | — | 1.05× | ||
| Q2 25 | 1.23× | 0.95× | ||
| Q1 25 | 1.81× | 1.24× | ||
| Q4 24 | 1.80× | 1.14× | ||
| Q3 24 | 1.93× | 1.09× | ||
| Q2 24 | 0.30× | 1.11× | ||
| Q1 24 | 0.60× | 1.32× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
KMPR
| Specialty Property Casualty Insurance Segment | $995.1M | 88% |
| Life Insurance Segment1 | $140.7M | 12% |
SNA
Segment breakdown not available.
